JP2936610B2 - Transaction processing system and card transaction terminal device - Google Patents

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system for performing credit transactions using a card and a card transaction terminal device applied to the transaction processing system.

(B) Summary of the Invention A transaction processing system according to the present invention provides a credit card (a first card) with a credit amount which can be used without a credit card authentication with a center in advance, or the credit amount. Issue a second card which has been given in advance, and thereafter, without authentication of the credit card to the center,
The card can be used in the same manner as a prepaid card within the limit of the credit amount written on the first or second card.

This eliminates the need to authenticate a credit card for each credit transaction, simplifies transaction processing, reduces commissions for transaction processing, and allows the credit amount to be carried as a card.

(C) Prior Art In general, in a transaction using a credit card, a transaction is performed by requesting a credit center to check the validity of the credit card and a usage limit every time the credit card is used, and obtaining credit. For example, in online credit transactions, terminal equipment (CAT terminals, POS terminals capable of performing credit transactions, vending machines capable of performing card transactions, etc.) installed in each store or the like requests credit to the center via a telephone line, and the center requests credit. Then, the registered data of each customer is searched, and if the credit card is valid and the usage amount is within the limit, credit is given to the terminal. Thereafter, when necessary, the transaction amount is deducted from the deposit account of the corresponding customer (fund transfer), and the transaction is completed.

However, in such a conventional general credit transaction, since it is necessary to obtain credit online or by telephone each time the transaction is performed, communication costs and procedures are troublesome. In addition, since the bank fee for withdrawal is constant regardless of the amount of the withdrawal, in small transactions, the ratio of the withdrawal fee to the sales amount increases, and the expense ratio to sales increases. There was a problem.

Therefore, in the first transaction processing, the center transmits the credit limit, stores the data in the main memory of the terminal device, and obtains the credit in the main memory without obtaining the credit from the center every time a product is purchased. A transaction processing system that deducts the purchase price from the limit is conceivable.

(D) Problems to be Solved by the Invention However, the following problems occur in a system in which such a credit limit is transferred to the main memory of the terminal device and used.

In the state where the credit limit has been transferred from the center to the terminal device, the credit limit of the center for the card is 0, so when trying to shop at another store using the same card, The credit transaction is rejected because the credit limit is zero.

Since the credit limit is transferred to a single terminal device, the use area within the same store or the same shopping center is limited.

The present invention has been made in view of such a conventional problem. The credit amount transmitted from the center is set to the amount desired by the card user (not the total limit), and the credit amount is stored in the card. It is an object of the present invention to provide a transaction processing system which can be recorded and carried to solve the above-mentioned various problems, and a card transaction terminal device applied to the transaction processing system.

(E) Means for Solving the Problems The invention described in claim 1 includes a card transaction terminal device,
In a transaction processing system having a center for receiving transaction data of a margin transaction from the card transaction terminal device and performing settlement, an arbitrary credit amount usable without authentication of the first card is input to the card transaction terminal device. Request credit amount input means, request credit amount confirmation means for confirming the suitability of the credit amount input by the request credit amount input means with the center, and input credit amount by the request credit amount confirmation means. Credit amount writing means for writing the credit amount entered when it is confirmed to be appropriate to the second card; and a request for returning the credit amount written on the second card to the first card. Means for requesting a credit return process to be performed on the center.

The invention described in claim 2 is a card transaction terminal device applied to the transaction processing system described in claim 1.

(F) Operation In the transaction processing system of the present invention, an arbitrary credit amount that can be used without authentication of the first card is input by the required credit amount input means provided in the card transaction terminal device. Compliance is checked. Credit amount writing means writes the inputted credit amount on the second card. By subtracting the usage amount from the credit amount written on the second card when the second card is used, the second credit amount on which the credit amount is written
This card can be used as a prepaid card with credit value as it is. Since authentication is not required when the second card is used, a credit request to the center is not required each time the second card is used. Moreover, the credit amount can be carried with the second card, and the range of use of the card can be expanded.

Further, the credit amount written on the second card can be returned to the first card by the credit amount return processing requesting means. Therefore, when the credit amount of the first card (the credit amount on the center side) decreases, the credit amount of the second card can be returned to the first card. As a result, the first card and the second card can be effectively used, respectively, and the range of use of the card is greatly expanded.

(G) Embodiment FIG. 1 is a diagram showing a schematic configuration of a transaction processing system according to an embodiment of the present invention. The credit center 6 is composed of a host computer and has a cardholder file for storing transaction data and credit data of each customer, and is connected to a plurality of terminal devices 1, 2,... 3 via a public line. Have been. Each of the terminal devices 1, 2,... Is a CAT terminal device, and 3 is a CAT terminal device with a card reader / writer. The terminal device 3 reads the data of the credit card 4, makes a credit request to the credit center 6 via a public line, and writes the credit card 4 or other card medium 5 on which the credit amount or the like is written (hereinafter, referred to as a "pre-credit card"). Write the credit amount for All CAT terminals 1, 2,
.. 3 transmits the credit card member code and the usage amount to the credit center 6 via the public line, and in addition to the conventional processing by the credit card, the credit amount within the credit amount written on the credit card or the pre-credit card is transmitted. Conduct transactions (hereinafter referred to as “pre-credit transactions”).

FIG. 2 is an external view of a CAT terminal device with a card reader / writer. As shown in FIG.
0, an operation panel 11, a card insertion slot 17, and a printer 18 are provided. Operation panel 11 is business key 12, numeric key
13 and function keys 14. In addition, a personal identification password pad 16 is connected from the apparatus main body via a cable.

FIG. 3 is a block diagram of the control unit of the terminal device shown in block 3 of FIG. 1 and FIG. A serial interface 25 for communicating with a host computer of a credit center via a public line is connected to a CPU 20 which is a microcomputer, and also controls an LCD controller 21 for controlling a display unit 10 comprising an LCD display and a printer 18. Print controller 22, keyboard
11, keypad 16, ROM23, RAM25, credit card,
Card interface 26 for controlling pre-credit card reader / writer 27 and floppy disk drive
A floppy disk interface 28 for controlling the controller 29 is connected.

FIG. 4 is a configuration diagram of data recorded on a credit card or pre-credit card. If this card is a credit card, the credit card member code M1, expiration date M2, and PIN M3 are pre-written,
The credit amount M4, the reference information M5, and other information (such as the amount used and the distinction between the credit card and the pre-credit card) are later written by the terminal device. However, in the case of a type of credit card in which a password is not written, a number indicating that fact is written in M3, and the collation of the password is performed with the center. If the card shown in the figure is a pre-credit card, the credit card member code
Information read from the credit card or information sent from the center as M1, expiration date M2 and personal identification number M3 is written by the terminal device. The credit amount M4, the reference information M5, and other information are written later by the terminal device as in the case of the credit card.

FIG. 5 is a block diagram of a host computer provided in the center. The CPU 40 is connected to a serial interface 47 for communicating with a terminal device via a public line, and a ROM 41, a RAM 42, and a magnetic disk device 44.
And an interface 45 for controlling the printer 44 are connected.

FIG. 6 is a configuration diagram of a card owner file recorded on a magnetic disk of the host computer. Here, the credit amount balance is the balance of the credit limit given to the account indicated by the account number. The reference information is the contents of processing sequentially recorded with the use of the credit card or the pre-credit card.

Next, the processing procedure of the CAT terminal with a card reader / writer and the processing procedure of the host computer on the center side associated therewith will be described.

FIG. 7 shows a processing procedure of a CAT terminal with a card reader / writer. Here, for the sake of clarity, the “credit card” is represented as a “first card” and the “pre-credit card” is represented as a “second card”. First, it waits for a card to be inserted, and if inserted, reads the card data (n1). If the inserted card is the first card (credit card), the system waits for the operation of selecting the transaction contents and reads the selected key (n3). If the "credit withdrawal process" is selected, then the required credit amount input by operating the numeric keys is read (n4 → n5). After that, read the password entered from the personal identification pad,
These pieces of information are transmitted to the host computer of the center via the public line, and further, the appropriateness of the requested credit amount and the result of the coincidence determination of the password are received from the host computer (n6 → n7). Thereafter, the first card is ejected (n8), and if the required credit amount exceeds the credit amount balance or if the passwords do not match, an error message is displayed and the process is terminated (n9). If the above condition is satisfied, a guidance display to insert a card in which the credit amount is to be written is displayed, and the insertion of the card is waited (n10 → n11). If the inserted card is the first card again, the credit amount and reference information (credit withdrawal approval number) are recorded on the first card (n13). Also,
When the inserted card is the second card, the first card information (credit card member code, expiration date and password), credit amount and reference information (credit withdrawal approval number) are recorded in the second code. (N14). After that, the end of transaction is displayed and the card is ejected (n15 → n16).

In addition, the first card is inserted and "credit transaction"
If selected, read the transaction amount and PIN,
By transmitting these to the host computer, a conventional ordinary credit transaction is performed (n27 → n29 to n31).

When the second card is inserted into the terminal device, first, a key operation for selecting the transaction processing content is read (n17). If the "pre-credit transaction" is selected, the transaction amount and the password are read, and the coincidence of the passwords is determined off-line (n19 to n21). If the PINs do not match, an error is displayed and the card is ejected (n22 → n1
6). If the passwords match, the transaction amount is subtracted from the credit amount recorded on the card, the result is set as a new credit amount, and this is recorded on the card (n23 → n24). Subsequently, the end of transaction is displayed and the card is ejected (n15 → n16).
The pre-credit transaction processing shown in steps n19 to n24 → n15 → n16 is similarly applied to the pre-credit transaction using the first card (n28 → n19...).

If the second card is inserted and “credit balance return processing” is selected, a message to that effect is transmitted to the host computer, and if the credit balance return processing by the host computer described later is performed, it is recorded on the card. Delete data required for pre-credit transactions, such as credit amount
5 → n26). This process is also applied to the “credit balance return process” using the first card (n28 → n25...).

FIG. 8 shows a processing procedure of the host computer provided in the center. First, it waits for a call from the transaction terminal, and if there is a call, receives data from the terminal (n4
0 → n41). Thereafter, the card holder file is searched from the credit card member code (n42). If there is applicable data and it is processing other than credit card return processing,
It determines whether the passwords match (n43 → n44 → n45). If the processing content is credit withdrawal processing, it is determined whether or not the requested credit amount is less than the credit amount balance (n46 → n47). If this condition is satisfied, the required credit amount is subtracted from the credit amount balance (n48). Further, the reference information is used as a credit withdrawal approval number, the credit amount balance is updated, and the reference information is recorded (n49 → n50). Then send the reference information to the terminal (n5
1). If any of the conditions in steps n43, n45 and n47 is not satisfied, the error code is transmitted to the terminal as reference information (n52 → n51).

If the content to be processed is “credit transaction processing”, it is determined whether the transaction amount is less than the credit amount balance, and if this condition is satisfied, the transaction amount is subtracted from the credit amount balance, and the transaction approval number is used as reference information. These are recorded in a file (n53 → n54 → n55 → n50). If the transaction amount is equal to or greater than the credit balance, an error code is transmitted to the terminal as reference information (n53 → n56 → n51).

If the content to be processed is “card credit balance return processing”, the rebate amount sent from the terminal is added to the credit balance and the file is updated as a new credit balance (n44 → n57 → n58). . Thereafter, reference information indicating that the return processing has been completed is transmitted to the terminal (n59 → n51). Therefore, when the credit amount of the first card (the credit amount on the center side) decreases, the credit amount of the second card can be returned to the first card. 2 cards can be used effectively.

According to the embodiment of the present invention, since the credit amount can be returned from the center host computer as well as withdrawn when necessary, the credit limit can be used effectively, and the card transaction can be increased and the sales can be improved. Connect.

(H) Effects of the Invention According to the present invention, the credit amount desired by the card user within the credit limit is recorded on the card, and the credit amount written on the second card is returned to the first card. Therefore, the first card and the second card can be used effectively. In addition, the credit amount can be carried with the card, and the range of use of the card can be greatly expanded. In addition, since the card is not authenticated to the center if the credit amount is within the credit amount of the card, the card transaction processing time at a store or the like is shortened, and a place where the card is not used conventionally (for example, a restaurant or a shopping center at lunch). Food and sundries).

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of a transaction processing system according to an embodiment of the present invention, and FIG. 2 is an external view of a CAT terminal with a card reader / writer used in the transaction processing system. FIG. 3 is a block diagram of a control unit of a terminal device used in the above system. FIG. 4 is a configuration diagram of data to be written to the card. FIG. 5 is a block diagram of a control unit of a host computer used in the above system, and FIG. 6 is a configuration diagram of the card owner file. FIGS. 7 and 8 are flowcharts respectively showing the processing procedure of the CAT terminal with a card reader / writer and the processing procedure of the host computer on the center side.

Claims (2)

(57) [Claims] A transaction processing system having a card transaction terminal device and a center for receiving transaction data of credit transactions from the card transaction terminal device and performing settlement, wherein the card transaction terminal device has a first card Requested credit amount input means for inputting an arbitrary credit amount that can be used without authentication, Requested credit amount confirmation means for confirming the suitability of the credit amount input by the requested credit amount input means with the center, Credit amount writing means for writing the credit amount input when the requested credit amount is confirmed to be appropriate by the required credit amount checking means on the second card; and writing the credit amount on the second card. A credit amount return processing requesting means for requesting the center to return the credit amount to the first card. 2. A card transaction terminal device for transmitting said transaction data to a center for performing settlement based on received credit transaction data, wherein an arbitrary credit amount usable without authentication of the first card is inputted. Request credit amount input means, request credit amount confirmation means for confirming the suitability of the credit amount input by the request credit amount input means with the center, and input credit amount by the request credit amount confirmation means. Credit amount writing means for writing the credit amount entered when it is confirmed to be appropriate to the second card; and a request for returning the credit amount written on the second card to the first card. A card transaction terminal device comprising: a credit amount return processing requesting unit for performing a credit amount return process performed on the center.